EP0827101A2 - Magnetic card reader - Google Patents
Magnetic card reader Download PDFInfo
- Publication number
- EP0827101A2 EP0827101A2 EP97305099A EP97305099A EP0827101A2 EP 0827101 A2 EP0827101 A2 EP 0827101A2 EP 97305099 A EP97305099 A EP 97305099A EP 97305099 A EP97305099 A EP 97305099A EP 0827101 A2 EP0827101 A2 EP 0827101A2
- Authority
- EP
- European Patent Office
- Prior art keywords
- magnetic
- data
- card
- card reader
- quality
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/08—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
- G06K7/082—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
- G06K7/083—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive
- G06K7/084—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
Definitions
- the invention relates to a magnetic card reader operated by a card carrying magnetic data.
- data may be authorisation data, e.g. for use with a self-service financial terminal such as an automated teller machine (ATM), or may be data on a magnetic stripe 'Smart Card' or electronic purse.
- ATM automated teller machine
- An advantage of such a card is the ease with which magnetic data can be written to the card, usually in a magnetic stripe, but unfortunately the converse is also true, and the data is easy to erase. Such an erasure can occur when the card is placed in close proximity to the magnetic clasp frequently used on handbags and pocket books. The damage may initially be slight, so that the card remains usable, but repeated exposure may cause cumulative damage and eventually the magnetic data will be unreadable. The card will then have to be replaced.
- a magnetic card reader comprising means to receive card having magnetically - stored data; magnetic reading means; and means to provide an output signal; characterized by monitoring means to monitor the quality of magnetic data read by the magnetic reading means, and magnetic writing means arranged to rewrite any readable magnetic data which is below a predetermined quality.
- a self-service terminal comprising processor means, card input means; magnetic reading means; data input means, display means; output means; and connection means for connection to a central authorisation means, characterized by a magnetic card reader adjacent the card input means, the reader comprising monitoring means to monitor the quality of magnetic data recorded by the magnetic reading means; and magnetic writing means arranged to rewrite any readable magnetic data which is below a predetermined quality.
- a method of operating a self service terminal comprising receiving a card having magnetic data stored thereon; reading the magnetic data on the card; determining the quality of the magnetic data; and rewriting any magnetic data which falls below a predetermined quality.
- a known card reader 10 comprises a magnetic head 12, an amplifier 14, a wave shaping device 16, and a data memory 18 having an output 19 connected, for example, to an ATM central authorisation system (not shown).
- a card having a magnetic stripe is placed in the reading head of an ATM so as to be adjacent the magnetic head 12. Magnetic data in the stripe on the card is read by the head 12, and a analogue electrical signal is supplied to the amplifier 14 which passes an amplified signal to the wave shaping device 16.
- the wave shaping device 16 supplies a digitised version of the analogue signal to the data memory 18, which stores it; the stored version is the equivalent of the data stored magnetically in the card.
- the signal on the output 19 of the data memory 18 may for example be passed to the central authorisation system of an ATM, the signal indicating the identity of the cardholder.
- the authorisation system then provides a return signal authorising the cardholder to perform a transaction on the ATM, such as a cash withdrawal.
- the signal on the output 19 of the data memory 18 will be inadequate to allow authorisation of use of the card.
- FIG. 2 illustrates a similar system of a card reader 20 having a magnetic head 22, amplifier 24, wave shaping device 26 and data memory 28 having an output 29.
- a wave shape monitor 30 connected to the wave shaping device 26, and a control device 32 connected to a further magnetic head 34, arranged to operate in a magnetic write mode.
- Operation is similar to that of the card reader 10, but in addition the amplifier 24 provides an analogue signal to the wave shape monitor 30.
- the monitor 30 contains a preset threshold level; if the amplitude variation of the analogue signal from the wave shaping device 26 falls below the threshold, the monitor 30 provides a signal to the control 32, which operates the magnetic head 34 to rewrite the magnetic data in the stripe on the card.
- the further magnetic head 34 is omitted, and the control 32 is connected to the magnetic head 22, instructing it to operate in a magnetic-write mode to rewrite the data on the card.
- a card reader 20 has a magnetic head 22, an amplifier 24, a data memory 28 and a control device 32 to control a magnetic write operation.
- the wave shaping and monitoring are performed in a single digital signal processor 60, which provides an output 62 consisting of corrected magnetic data, which is supplied to the control device 32 to rewrite the magnetic data on the card stripe as before.
- the wave shape monitor 30 can be a hardware or a software system.
- the threshold i.e. the predetermined level of quality, is preferably capable of being reset or otherwise under the control of the authority operating the card reader.
- Figure 4 shows an ATM 40 having a magnetic card input slot 42, a display screen 44, a keypad 46, and a cash delivery slot 48.
- the control system for the ATM 44 is shown in Figure 5, in which a processor 50 is connected to receive input from the keypad 46, to control the display 44, and to control a cash counting and delivery system 52 connected to the cash delivery slot 48.
- a card reader 20 according to the invention is also connected to the processor 50.
- the processor is connected by a connection 54 to the central authorisation system of the financial institution operating the ATM 40.
- the card reader operates as described above to rewrite the data on the card while the ATM transaction is in operation.
- a card reader according to the invention can be incorporated in other types of self-service financial transaction terminal for which card authorisation is required, for example a balance - enquiry terminal.
- a card reader according to the invention can rewrite damaged magnetic data with sufficient accuracy and amplitude to meet current international standards, so that cards damaged by accidental exposure to a magnetic influence, but still readable, need not be replaced.
Landscapes
- Engineering & Computer Science (AREA)
- Artificial Intelligence (AREA)
- Computer Vision & Pattern Recognition (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Recording Or Reproducing By Magnetic Means (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Signal Processing For Digital Recording And Reproducing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Credit Cards Or The Like (AREA)
Abstract
A reader (20) for a magnetic card for an automated
teller machine (40) or other self-service financial
terminal comprises a magnetic reading head (22), a wave
shaper (26), and a data memory (28) to supply card-related
data to a central authorisation position. A wave
shape monitor (30) is preset with a threshold amplitude,
and detects the amplitude of analogue signals from the
wave shaper; if the signals are readable but below the
threshold level, the same magnetic reading head (22) or a
different magnetic head (34) is instructed to rewrite the
magnetic data on the card.
Description
The invention relates to a magnetic card reader
operated by a card carrying magnetic data. Such data may
be authorisation data, e.g. for use with a self-service
financial terminal such as an automated teller machine
(ATM), or may be data on a magnetic stripe 'Smart Card'
or electronic purse.
An advantage of such a card is the ease with which
magnetic data can be written to the card, usually in a
magnetic stripe, but unfortunately the converse is also
true, and the data is easy to erase. Such an erasure can
occur when the card is placed in close proximity to the
magnetic clasp frequently used on handbags and pocket
books. The damage may initially be slight, so that the
card remains usable, but repeated exposure may cause
cumulative damage and eventually the magnetic data will
be unreadable. The card will then have to be replaced.
It is an object of the invention to provide a card
reader for a magnetic data card which reduces the number
of cards which have to be replaced due to cumulative
erasure damage.
According to the invention there is provided a
magnetic card reader comprising means to receive card
having magnetically - stored data; magnetic reading
means; and means to provide an output signal;
characterized by monitoring means to monitor the quality
of magnetic data read by the magnetic reading means, and
magnetic writing means arranged to rewrite any readable
magnetic data which is below a predetermined quality.
Also according to the invention a self-service
terminal comprising processor means, card input means;
magnetic reading means; data input means, display means;
output means; and connection means for connection to a
central authorisation means, characterized by a magnetic
card reader adjacent the card input means, the reader
comprising monitoring means to monitor the quality of
magnetic data recorded by the magnetic reading means; and
magnetic writing means arranged to rewrite any readable
magnetic data which is below a predetermined quality.
Further according to the invention a method of
operating a self service terminal comprising receiving a
card having magnetic data stored thereon; reading the
magnetic data on the card; determining the quality of the
magnetic data; and rewriting any magnetic data which
falls below a predetermined quality.
In the accompanying drawings, a known arrangement
for a magnetic card reader is shown in Figure 1; the
invention described by way of example only with reference
to:-
In the prior art system of Figure 1, a known card
reader 10 comprises a magnetic head 12, an amplifier 14,
a wave shaping device 16, and a data memory 18 having an
output 19 connected, for example, to an ATM central
authorisation system (not shown). In operation, a card
having a magnetic stripe is placed in the reading head of
an ATM so as to be adjacent the magnetic head 12.
Magnetic data in the stripe on the card is read by the
head 12, and a analogue electrical signal is supplied to
the amplifier 14 which passes an amplified signal to the
wave shaping device 16. The wave shaping device 16
supplies a digitised version of the analogue signal to
the data memory 18, which stores it; the stored version
is the equivalent of the data stored magnetically in the
card.
The signal on the output 19 of the data memory 18
may for example be passed to the central authorisation
system of an ATM, the signal indicating the identity of
the cardholder. The authorisation system then provides a
return signal authorising the cardholder to perform a
transaction on the ATM, such as a cash withdrawal.
Clearly, if the magnetic data on the card has been
damaged, the signal on the output 19 of the data memory
18 will be inadequate to allow authorisation of use of
the card.
Figure 2 illustrates a similar system of a card
reader 20 having a magnetic head 22, amplifier 24, wave
shaping device 26 and data memory 28 having an output 29.
In addition, there is provided a wave shape monitor 30
connected to the wave shaping device 26, and a control
device 32 connected to a further magnetic head 34,
arranged to operate in a magnetic write mode.
Operation is similar to that of the card reader 10,
but in addition the amplifier 24 provides an analogue
signal to the wave shape monitor 30. The monitor 30
contains a preset threshold level; if the amplitude
variation of the analogue signal from the wave shaping
device 26 falls below the threshold, the monitor 30
provides a signal to the control 32, which operates the
magnetic head 34 to rewrite the magnetic data in the
stripe on the card.
In a variation, not shown, the further magnetic head
34 is omitted, and the control 32 is connected to the
magnetic head 22, instructing it to operate in a
magnetic-write mode to rewrite the data on the card.
In Figure 3, a further variation is shown in which a
card reader 20 has a magnetic head 22, an amplifier 24, a
data memory 28 and a control device 32 to control a
magnetic write operation. In the variation, the wave
shaping and monitoring are performed in a single digital
signal processor 60, which provides an output 62
consisting of corrected magnetic data, which is supplied
to the control device 32 to rewrite the magnetic data on
the card stripe as before.
The wave shape monitor 30 can be a hardware or a
software system. The threshold, i.e. the predetermined
level of quality, is preferably capable of being reset or
otherwise under the control of the authority operating
the card reader.
It will be understood that the rewriting of the data
on the card is only possible if the data is initially
readable, but damaged so that it falls below a required
quality. If the data is so badly damaged that it cannot
be read by the magnetic head, then no rewriting occurs.
In the operation of the invention, it is always initially
- present data which is rewritten, there is no facility
to modify or update the data.
Figure 4 shows an ATM 40 having a magnetic card
input slot 42, a display screen 44, a keypad 46, and a
cash delivery slot 48.
The control system for the ATM 44 is shown in Figure
5, in which a processor 50 is connected to receive input
from the keypad 46, to control the display 44, and to
control a cash counting and delivery system 52 connected
to the cash delivery slot 48. A card reader 20 according
to the invention is also connected to the processor 50.
The processor is connected by a connection 54 to the
central authorisation system of the financial institution
operating the ATM 40.
If a cardholder inserts into the slot 42 a card
which contains readable but damaged magnetic data, the
card reader according to the invention operates as
described above to rewrite the data on the card while the
ATM transaction is in operation.
A card reader according to the invention can be
incorporated in other types of self-service financial
transaction terminal for which card authorisation is
required, for example a balance - enquiry terminal.
A card reader according to the invention can rewrite
damaged magnetic data with sufficient accuracy and
amplitude to meet current international standards, so
that cards damaged by accidental exposure to a magnetic
influence, but still readable, need not be replaced.
Claims (6)
- A magnetic card reader comprising means to receive a card having magnetically - stored data; magnetic reading means (12 or 22), and means (14,16,18) to provide an output signal, characterized by monitoring means (30 or 60) to monitor the quality of magnetic data read by the magnetic reading means (22), and magnetic writing means (34 or 22) arranged to rewrite any readable magnetic data which is below a predetermined quality.
- A magnetic card reader according to claim 1, further comprising wave shaping means (26 or 60) which provides an electrical analogue signal related to the magnetically - stored data, characterized by wave shape monitoring means (30 or 60) arranged to monitor the quality of said analogue signal.
- A magnetic card reader according to claim 2, characterized in that the wave shape monitoring means (30 or 60) contains a predetermined amplitude level, and is arranged to compare the amplitude of the electrical analogue signal from the wave shaping means (26) with the predetermined amplitude level, and to cause the magnetic writing means (34) to rewrite the magnetic data if the amplitude of the analogue signal falls below the predetermined amplitude level.
- A magnetic card reader according to any preceding claim, in which the magnetic writing means and the magnetic reading means comprise a single magnetic device (22).
- A self-service terminal comprising processor means (50), card input means (42); magnetic reading means (22); data input means (46), display means (44); output means (52); and connection means (54) for connection to a central authorisation means, characterized by a magnetic card reader (20) adjacent the card input means (42), the reader (20) comprising monitoring means (30) to monitor the quality of magnetic data recorded by the magnetic reading means (22); and magnetic writing means (34) arranged to rewrite any readable magnetic data which is below a predetermined quality.
- A method of operating a self service terminal comprising receiving a card having magnetic data stored thereon; reading the magnetic data on the card; determining the quality of the magnetic data; and rewriting any magnetic data which falls below a predetermined quality.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| GBGB9618104.5A GB9618104D0 (en) | 1996-08-30 | 1996-08-30 | Magnetic card reader |
| GB9618104 | 1996-08-30 |
Publications (3)
| Publication Number | Publication Date |
|---|---|
| EP0827101A2 true EP0827101A2 (en) | 1998-03-04 |
| EP0827101A3 EP0827101A3 (en) | 2000-07-12 |
| EP0827101B1 EP0827101B1 (en) | 2003-11-26 |
Family
ID=10799156
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| EP97305099A Expired - Lifetime EP0827101B1 (en) | 1996-08-30 | 1997-07-10 | Magnetic card reader |
Country Status (8)
| Country | Link |
|---|---|
| US (1) | US6000620A (en) |
| EP (1) | EP0827101B1 (en) |
| JP (1) | JPH1091903A (en) |
| CN (1) | CN1146825C (en) |
| DE (1) | DE69726358T2 (en) |
| ES (1) | ES2212047T3 (en) |
| GB (1) | GB9618104D0 (en) |
| ZA (1) | ZA976438B (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2001080189A2 (en) * | 2000-04-14 | 2001-10-25 | Mag-Tek, Inc. | Magnetic stripe card verification system |
Families Citing this family (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7548266B1 (en) * | 2000-04-06 | 2009-06-16 | Mikel A Lehrman | Methods and apparatus for providing portable photographic images |
| US7225994B2 (en) * | 2002-08-06 | 2007-06-05 | Innovative Card Technologies, Inc. | Financial transaction card with sound recording |
| JP4348934B2 (en) * | 2002-09-25 | 2009-10-21 | アイシン・エィ・ダブリュ株式会社 | Vehicle suspension control device |
| US7192208B2 (en) | 2003-09-02 | 2007-03-20 | Futurelogic, Inc. | Rewritable card printer |
| US8057296B2 (en) | 2003-09-12 | 2011-11-15 | Igt | Gaming device including a card processing assembly having vertically-stacked card holders operable with thermally-printable data cards and portable card changeover machines |
| US7494414B2 (en) | 2003-09-12 | 2009-02-24 | Igt | Gaming device having a card management system for the management of circulating data cards |
| JP4852919B2 (en) * | 2005-07-25 | 2012-01-11 | アイシン・エィ・ダブリュ株式会社 | Vehicle ride control system and vehicle ride control method |
| US8197334B2 (en) | 2007-10-29 | 2012-06-12 | Igt | Circulating data card apparatus and management system |
| CN105469012B (en) * | 2015-11-23 | 2019-01-18 | 深圳市新国都技术股份有限公司 | Magnetic card reads system and method |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP0199234A2 (en) * | 1985-04-15 | 1986-10-29 | Sony Corporation | Portable magnetic card writer |
| US5388011A (en) * | 1992-05-20 | 1995-02-07 | Wangtek, Inc. | Peak detector with look ahead |
-
1996
- 1996-08-30 GB GBGB9618104.5A patent/GB9618104D0/en active Pending
-
1997
- 1997-02-25 US US08/804,647 patent/US6000620A/en not_active Expired - Lifetime
- 1997-07-10 ES ES97305099T patent/ES2212047T3/en not_active Expired - Lifetime
- 1997-07-10 EP EP97305099A patent/EP0827101B1/en not_active Expired - Lifetime
- 1997-07-10 DE DE69726358T patent/DE69726358T2/en not_active Expired - Fee Related
- 1997-07-21 ZA ZA9706438A patent/ZA976438B/en unknown
- 1997-08-25 CN CNB971162387A patent/CN1146825C/en not_active Expired - Fee Related
- 1997-08-29 JP JP9233429A patent/JPH1091903A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP0199234A2 (en) * | 1985-04-15 | 1986-10-29 | Sony Corporation | Portable magnetic card writer |
| US5388011A (en) * | 1992-05-20 | 1995-02-07 | Wangtek, Inc. | Peak detector with look ahead |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6431445B1 (en) | 1998-07-22 | 2002-08-13 | Mag-Tek, Inc. | Magnetic stripe card verification system |
| WO2001080189A2 (en) * | 2000-04-14 | 2001-10-25 | Mag-Tek, Inc. | Magnetic stripe card verification system |
| WO2001080189A3 (en) * | 2000-04-14 | 2002-04-11 | Mag Tek Inc | Magnetic stripe card verification system |
Also Published As
| Publication number | Publication date |
|---|---|
| DE69726358D1 (en) | 2004-01-08 |
| JPH1091903A (en) | 1998-04-10 |
| ES2212047T3 (en) | 2004-07-16 |
| DE69726358T2 (en) | 2004-08-26 |
| CN1146825C (en) | 2004-04-21 |
| CN1184291A (en) | 1998-06-10 |
| EP0827101A3 (en) | 2000-07-12 |
| ZA976438B (en) | 1998-02-19 |
| EP0827101B1 (en) | 2003-11-26 |
| GB9618104D0 (en) | 1996-10-09 |
| US6000620A (en) | 1999-12-14 |
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